Since solder paste typically is only usable for 4-10 hours after stenciling onto the board (due to the liquid flux drying out, etc.), you wouldn't really want to get a PCB pre-stenciled. It would also be pretty messy.

There are some handy services for getting cheap (less than $100, I think?) foil stencils, but then you have to purchase no-clean solder paste, carefully build a fixture to hold your board in place, and squeegee it by hand. Then you have to figure out how to reflow it. I'm sure you could use a oven if you had to. It's not very fun, and without all the high-dollar machinery of a professional SMT shop, it can take way more time and money than just hand-soldering. Of course, if you're trying to use components like BGAs or ICs with ground pads, hand soldering won't cut it.

Hope this helps!

Tim

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If you're not doing more than a few dozen pads, and you have moderately steady hands, a syringe of solder paste works just fine. Note that you'll need some method of reflowing, such as a skillet or hotplate.